Amtrak Guest Rewards vs United Explorer
Amtrak Guest Rewards
$0/yr
7.0/10
VS
United Explorer
$150/yr
6.0/10
Quick Answer
Amtrak Guest Rewards charges no annual fee with 1X base rewards. United Explorer charges $150/yr with 1X base rewards. Amtrak Guest Rewards offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Amtrak Guest Rewards
Lower annual fee ($0 vs $150)
Rewards Earning
United Explorer
4 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
United Explorer
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Amtrak Guest Rewards wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Amtrak Guest RewardsPREMIUM PICK
United Explorer wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ExplorerRewards Earning: Detailed Comparison
Amtrak Guest Rewards
| Amtrak purchases | 3.0X |
| Dining | 2.0X |
| Everything else | 1.0X |
United Explorer
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Everything else | 1.0X |